HOUSTON—A record number of people are tapping into their retirement savings to make it through the economic downturn and one financial consultant wants to offer advice on how to keep your head, and pocketbooks, afloat. Fidelity, which manages 401 plans for 11 million Americans, found that the number of people taking loans or hardship withdrawals from their retirement plans is higher than ever …

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More financially-strapped people than ever tapping into retirement, 401 plans